S

SBI Cards and Payment Services Ltd
NSE:SBICARD

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SBI Cards and Payment Services Ltd
NSE:SBICARD
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Price: 679.7 INR 0.69% Market Closed
Market Cap: 646.6B INR
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Intrinsic Value

The intrinsic value of one SBICARD stock under the Base Case scenario is 1 232.29 INR. Compared to the current market price of 679.7 INR, SBI Cards and Payment Services Ltd is Undervalued by 45%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

SBICARD Intrinsic Value
1 232.29 INR
Undervaluation 45%
Intrinsic Value
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SBI Cards and Payment Services Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Business Breakdown

SBI Cards and Payment Services Ltd. stands as one of India's leading credit card issuers, a joint venture between the State Bank of India and The Carlyle Group. Established in 1998, the company has grown rapidly, capturing a significant share of the burgeoning Indian credit card market. With a strong emphasis on customer-centric services, SBI Cards offers a diverse range of credit products tailored to meet the needs of its varied clientele—from premium offerings for affluent customers to entry-level cards designed for first-time users. The company has strategically leveraged its parent’s expansive bank infrastructure to reach a wide base, driven by innovative digital solutions and a focus on...

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
SBI Cards and Payment Services Ltd

Current Assets 34.2B
Cash & Short-Term Investments 1.1B
Receivables 7.3B
Other Current Assets 25.8B
Non-Current Assets 547.5B
Long-Term Investments 35.3B
PP&E 4.4B
Intangibles 1.3B
Other Non-Current Assets 506.6B
Current Liabilities 343.4B
Accounts Payable 15.1B
Short-Term Debt 267.9B
Other Current Liabilities 60.4B
Non-Current Liabilities 117.5B
Long-Term Debt 99.6B
Other Non-Current Liabilities 17.9B
Efficiency

Earnings Waterfall
SBI Cards and Payment Services Ltd

Revenue
174.2B INR
Cost of Revenue
-14B INR
Gross Profit
160.2B INR
Operating Expenses
-105B INR
Operating Income
55.2B INR
Other Expenses
-31.1B INR
Net Income
24.1B INR

Free Cash Flow Analysis
SBI Cards and Payment Services Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

In Q2 FY '25, SBI Card achieved revenue of INR 4,556 crores, an 8% increase year-over-year, but profits dropped to INR 404 crores due to rising credit costs (9%) and operational expenses tied to the festive season. Receivables surged 23% year-on-year to INR 55,601 crores. The company noted an improvement in early delinquency lines, yet gross NPAs increased to 3.27%. With a capital adequacy ratio at 22%, SBI Card is focusing on portfolio quality, believing credit costs may stabilize as economic conditions improve. Continued consumer spending and digital adoption are expected to drive growth in the upcoming quarters.

What is Earnings Call?
Fundamental Scores

SBICARD Profitability Score
Profitability Due Diligence

SBI Cards and Payment Services Ltd's profitability score is 58/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive 3-Year Average ROE
Exceptional 3-Years Revenue Growth
Positive Operating Income
58/100
Profitability
Score

SBI Cards and Payment Services Ltd's profitability score is 58/100. The higher the profitability score, the more profitable the company is.

SBICARD Solvency Score
Solvency Due Diligence

SBI Cards and Payment Services Ltd's solvency score is 29/100. The higher the solvency score, the more solvent the company is.

Long-Term Solvency
Low Altman Z-Score
High D/E
Short-Term Solvency
29/100
Solvency
Score

SBI Cards and Payment Services Ltd's solvency score is 29/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

SBICARD Price Targets Summary
SBI Cards and Payment Services Ltd

Wall Street analysts forecast SBICARD stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for SBICARD is 712.31 INR with a low forecast of 554.49 INR and a high forecast of 1 008 INR.

Lowest
Price Target
554.49 INR
18% Downside
Average
Price Target
712.31 INR
5% Upside
Highest
Price Target
1 008 INR
48% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Safe
0
25
50
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100
Shareholder Yield

Current shareholder yield for SBICARD is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Debt Paydown Yield
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Ownership

SBICARD Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

SBI Cards and Payment Services Ltd

Country

India

Industry

Financial Services

Market Cap

646.4B INR

Dividend Yield

0.37%

Description

SBI Cards & Payment Services Ltd. provides credit cards and payment solutions. The company is headquartered in Gurgaon, Haryana and currently employs 3,774 full-time employees. The company went IPO on 2020-03-16. The firm provides credit card services. The firm offers a wide range of credit cards to individual cardholders and corporate clients, which includes lifestyle, rewards, travel & fuel, shopping, banking partnership cards and corporate cards. The firm also offers payment products and services in the form of corporate and credit cards with incentive and rewards programs.

Contact

HARYANA
Gurgaon
2nd Floor, Tower-B, Infinity Towers,, DLF Cyber City, Block 2 Building 3, DLF Phase 2,
www.sbicard.com

IPO

2020-03-16

Employees

3 774

Officers

MD, CEO & Director
Mr. Abhijit Chakravorty
Executive VP & CFO
Ms. Rashmi Mohanty
Chief Information & Digital Officer and Executive VP
Mr. Pradeep K. Singh Khurana
Executive VP and Chief Sales & Marketing Officer
Mr. Girish Budhiraja
Executive VP & Head of Customer Services
Mr. Manish Dewan
EVP & Head of Consumer Sales
Mr. Vishal Singh
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EVP & Head of Corporate Card and Billing Operations
Mr. Monish Vohra
Executive VP & Head of Collections
Ms. Anu Choudhary Gupta
Executive VP & Chief Credit Officer
Ms. Nandini Malhotra
Executive VP & Chief Risk Officer
Mr. Shantanu Srivastava
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See Also

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What is the Intrinsic Value of one SBICARD stock?

The intrinsic value of one SBICARD stock under the Base Case scenario is 1 232.29 INR.

Is SBICARD stock undervalued or overvalued?

Compared to the current market price of 679.7 INR, SBI Cards and Payment Services Ltd is Undervalued by 45%.

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